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Savings Savings
     
 
Charlotte Metro offers you a range of choices for meeting your short-term savings goals.
 
     
  Truth In Savings Disclosure (Savings Rates)

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Share Savings

It begins with a share! As a member of Charlotte Metro Credit Union you now have a “share” in its ownership. How about that? No matter how much money you open your account with, you are now an equal owner of the entire institution! The Share Savings account is opened as a part of your account opening process and is required for every member of Charlotte Metro.

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  • $25 minimum opening deposit
  • No monthly fee with a minimum balance of $25
  • Access to the Charlotte Metro ATM Network
  • Dividend accrues daily and paid quarterly on balances over $25
  • Four (4) fee-free withdrawals per quarter
  • Open multiple Savings Accounts to meet your personal goals

Christmas Club

Ready to give your holiday shopping a little help? Our Christmas Club account is the perfect solution for making extra cash available for the holidays.

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  • Low Opening Deposit
  • Interest Paid Quarterly
  • Free Withdrawals Between Nov 1 and Dec 31

Money Market

Our Money Market account is the preferred savings vehicle for members who maintain higher account balances and do not require frequent access to their funds. Interest on the Money Market account is accrued daily and paid monthly.

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  • $2,000.00 minimum opening deposit
  • No Monthly Fee with a $2,000.00 Minimum Balance
  • Limited to Six Withdrawals per Month
  • Free ATM/Debit Card
  • Higher Rates for Larger Deposits
  • Dividends accrue and paid monthly on balance over $2,000.00
  • Free Online Banking
  • Free Checks
 
 


IRAs

It can never be too soon to start thinking toward the future, and Charlotte Metro wants to help you achieve your retirement dream. For more information on our IRA products click here.

 
     
 

Savings Calculator

Retirement Savings Calculator

Share Certificate of Deposit (CD)

Our Share Certificate of Deposit (CD) is for the member who wants the best rate of return possible
on savings deposits. A wide range of terms and
interest rates are available so please check with a representative to see which Share CD term is right
for you.

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  • Variety of Terms Available
  • Higher Rates for Larger Deposits
  • Free Online Banking
  • 6 Months to 36 Months -
    Minimum Opening Deposit of $2,000
  • 48 Months to 60 Months -
    Minimum Opening Deposit of $50,000

Ultimate Savings

The Ultimate Savings Account allows the savings-minded member more flexibility in accessing the funds while maintaining a higher rate of return.

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  • Minimum Opening Deposit of $1000.00
  • Deposits can be made at any time
  • Penalty-free Withdrawals the First 10 Days of each Calendar Quarter
  • Dividends accrue daily and paid monthly
  • Free Online Banking

Your Money is Safe

Your deposits at Charlotte Metro Credit Union are insured to at least $250,000 by the NCUA, (National Credit Union Administration), a U.S. government agency. IRA accounts are insured by the NCUA up to $250,000. With up to $250,000 in excess coverage provided by the Excess Share Insurance Corporation (ESI), your deposits at Charlotte Metro Credit Union are insured up to $500,000. IRA accounts are insured up to $500,000.